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想知道装修公积金贷款怎么拿到钱？可以贷款多少的

想知道装修公积金贷款怎么拿到钱？可以贷款多少的

浏览：58次 | 提问时间： 07-21 11:52

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她有公主病我又不是女仆命 07-21 11:53

关于装修公积金贷款怎么拿到钱的问题，我来回答
现在很多地方装修是可以用公积金贷款的，这个最好去当地的公积金中心问一下实际的条件以及所需要的资料证明等等，假如审核通过后，应该是直接打到你预留的银行账户里面的，是不会给现金的，期望能够帮助到您，谢谢！

傲娇女神范 07-21 12:01

1.你这样的情况，假如是想办理住房贷款，银行只能贷给你差额。由于你贷款35万中，只有15万做房款，，剩余的做他用，住房贷款的款项只能用来补充未付房款。
2.还有一点你没搞清楚，住房贷款审批通过后，银行是把钱直接打到拆迁商账户作为你欠开发商的那部分购房款。说白了就是，银行把你欠拆迁开发商的钱还了，以后就是你欠银行的钱。钱都不过你的手，你怎么可能拿到这笔钱做装修呢？更何谈用贷款还房贷？从银行贷款还房贷类似于现在的信用卡的“卡养卡”，银行精明的很，怎么会容许这样的漏洞和风险？你不能贷到35万，只能贷款15万。
3.还建的房子是在你补交15万后，房子交付使用3个月内房管局给你发两证。有两证你就可以经过评估后贷款住房评估价的50%-70%。举例：假如你的房子经过评估价值50万，你可以贷款25万-35万。即使房产证办理下贷款，你自己找银行也很麻烦，应该找个担保公司代办。
4.建议：你可以先借15万临时周转，等房产证办理后贷款再还人家。或者与拆迁商关系很硬，先欠着呗，房产证下来办贷款再还。那你得是开发商的亲戚啦~~~~~否则没办法。以及，这房子假如是你和你父母的拆迁房还建的，就写你父母和你的名字，你父母的公积金可以贷款（但有些地方换建房不给公积金贷款），公积金也可以提出来装修。

男人你是我的独家记忆 07-21 12:09

你装修我买单，来了解装修分期贷款吧，利息3厘多，纯信用，比银行基准利息还低，用银行的钱给你装修房子，利息便到没话说啊！团办更优惠哦！

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